CARD SME Bank, Inc. (“CARD SME Bank”), including its affiliates and subsidiaries and all members of the CARD Mutually Reinforcing Institutions (“CARD MRI”), values the confidentiality of personal data and committed in maintaining the privacy of its customers. This Data Privacy Statement (“Statement”), details how CARD SME Bank uses and protects personal data for the purpose of obtaining the consent of data subject in accordance with the Republic Act No. 10173, otherwise known as the Data Privacy Act of 2012, and its Implementing Rules and Regulations (“DPA”). This Statement also covers the privacy practices for our customers  who apply for and obtain products and services from us, such as, but not limited to, deposits, loans, investments, insurance, remittances, and other such products and services that CARD SME Bank may offer from time to time.


The privacy practices described in this Statement are primarily intended for individuals in the Philippines and are designed to comply with the provisions of the DPA. When accessing our websites and/or availing of our services through our branches, you acknowledge and agree that your information may be collected, processed, and transferred within the Philippines following legal and regulatory standards for data protection that may differ from your current or home jurisdictions.


To provide the client with CARD SME Bank’s banking/financial products and services and/or to implement client-requested transactions, CARD SME Bank shall collect personal information from the client which may include, but are not limited to:
 Name, Age, Date/Place of Birth, Gender, Civil Status, Nationality;
 Address and Contact Details;
 Educational Background;
 Employment History;
 Financial Information (such as income, expenses, balances, investments, tax, insurance, financial and
transaction history, etc.);
 Specimen Signature;
 Permits, Licenses & Registrations;
 Status of Pending Civil/Criminal Cases (if any);
 Telephone conversation recordings through our Customer Service Representative;
 CCTV footage for security purposes;
 Business Address
 Religion ( For Employment)
 Health (For Employment)


CARD SME Bank uses your personal information to provide the services and products that you have availed or intend to avail from CARD SME Bank, including and together with following purposes:
 Opening, maintaining, and/or terminations of accounts;
 Ease of contacting/communicating with clients;
 Evaluate, approve, provide, or manage applications, financial products and services, and other transactions
that the client has requested;
 Comply with know-your-customer (KYC) information requirements as specified under the Manual of
Regulations for Banks and other applicable regulations;
 Conduct of credit and background information checks and verification;
 Evaluate client’s eligibility for CARD SME Bank’s products and services, such as loan inventory and loan
 Perform risk profile and risk assessment;
 Perform Loan Utilization Check (LUC);
 Provide extensive and quality support to the client;
 For internal purposes, such as administrative, operational, audit, credit and risk management;
 Provide location-based services such as finding the ATM or branch nearest to you;
 Offering and processing of insurance products for the CARD Mutual Benefits Association
 Comply with legal and regulatory requirements such as submission of data to credit bureaus, credit information companies, the Credit Information Corporation (CIC), CISA, responding to court orders and other instructions and requests from any local or foreign authorities including regulatory, governmental, tax and law enforcement authorities or other similar authorities;
 Perform other such activities permitted by law or with your consent.

CARD SME Bank collects personal information through, but not limited to, any of the following:
 Face-to-face and/or telephone conversation with CARD SME Bank Customer Service Representative;
 Accomplishment and/or signing of forms/documents (e.g. loan proposal, New Accounts Form, Insurance
Products, Employment application and contracts and Client Information Form);
 Registration through electronic banking channels and services (e.g. Mobile Banking
Application-Konek2CARD, HCIS); and
 Conducting Background and credit investigation and Loan Utilization Check
 Inquiries to the Credit Bureau such as CIC, NFIS and MIDAS.


We may share your personal information with our subsidiaries, affiliates and third parties, including members of CARD MRI, for the purposes above and with an obligation of confidentiality. Your personal information may similarly be disclosed to government agencies, supervisory bodies, tax authorities, or courts of competent jurisdictions for purposes of complying with banking regulations, which CARD SME Bank may be subject to such as Republic Act No. 9160 otherwise known as the Anti-Money Laundering Act of 2001 or Republic Act No. 9510
otherwise known as the Credit Information System Act (“CISA”), among others. If necessary, for the efficient delivery of CARD SME Bank’s products and services, we may also outsource processing of your personal information to third-party service providers or CARD MRI, consistent with the terms of this Statement and the provisions of the DPA.


In accordance with the provisions of the DPA, Republic Act No. 1405 otherwise known as the Bank Secrecy Law, Republic Act No. 8791 otherwise known as the General Banking Law of 2000, Republic Act No. 6426 otherwise known as The Foreign Currency Deposit Act, BSP Circular No. 808, Series of 2013 otherwise known as the Guidelines on Information Technology Risk Management for All Banks and other Supervised Institutions, and BSP Circular No. 982, Series of 2017 otherwise known as the Enhanced Guidelines on Information Security Management, CARD SME Bank, its employees, agents and representatives, shall handle personal information with utmost care and adhere to the implemented organizational, physical, and technical security measures to maintain the confidentiality, integrity, security, and availability of all personal information under its custody.


Documents containing your personal information will be retained in the records and systems of CARD SME Bank for a period no longer than five years from the date of the termination of your account or of the specific transaction with CARD SME Bank, unless CARD SME Bank is required by law to retain the information for a longer period.


CARD SME Bank respects your rights to:
1. Be informed;
2. Object to the processing of your personal data;
3. Have reasonable access to your personal data under the custody of CARD SME Bank;
4. Require immediate correction of inaccurate or erroneous personal data under the custody of CARD SME
5. Suspend, withdraw or order the blocking, removal or destruction of your personal data from CARD SME
Bank’s records and/or system; and
6. Be indemnified in case of violation of your rights as data subject.
You may reach us for any questions, concerns or requests you may have on your personal data and exercising the above rights

Should you need to get in touch with us for any data privacy concerns or requests or should you have any questions or clarifications regarding the Statement, CARD SME Bank has adopted a Customer Assistance Management System (CAMS). This is an organized system where customer feedback, inquiries and complaints are carefully handled and processed. Through this channel, a Customer Service Officer, who serves as the representative of the Data Protection Officer shall initially assist you and raise such concerns to the Compliance Unit of CARD SME Bank.
You may also visit the Customer Service Desk at any of CARD SME Bank’s branches or call the Customer Service

Hotlines at the following numbers:

You may also e-mail us at or visit our website Alternatively, for any pressing concerns, you may reach our data protection officer at the following contact

Telephone Number: (049) 503-2671
Address: # 120 M Paulino St., corner Burgos St., San Pablo City Laguna


We may amend or modify the terms of this Statement from time to time to ensure relevance with the relevant laws and regulations applicable to CARD SME Bank. Any relevant modification will be posted on our website and distributed to all CARD SME Bank branches and Centers.